Mortgages

Independent Mortgage Advisers in Swindon and beyond

Finding a competitive residential or buy-to-let mortgage from among the 5,000+ typically available in the market today can be a very time consuming and frustrating experience. Where once you would head straight to your high street to organise a mortgage, today banks and building societies have a relatively limited range of offerings, are driven by sales targets, and are generally not authorised to give advice. Comparison websites only show a small part of the picture and as such professional, independent mortgage advisers use specific software for the job, but never use consumer comparison websites to make a recommendation. Remember that the lowest interest rate is very often not the cheapest, or the one that may best suit your requirements.

As independent mortgage advisers with our head office in Swindon, our role is to search for, compare and offer you a choice between the various options that meet your requirements.

Customer circumstances are individual, and our independent mortgage advisers will consider lender criteria as well as the financials to make a personalised recommendation to you. We have independent mortgage advisers in Swindon at our head office, but also across the country. Our mortgage advisers can offer face-to-face advice, or advice over the phone or video call. We have mortgage advisers in Bristol, Cheltenham & Gloucester, Reading, Bath, Manchester and Brighton.

We know which products are on the market and can research these to find the right one for you, saving you valuable time and money.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage payments.

Some types of buy to let mortgages are not regulated by the Financial Conduct Authority.

Mortgage Capacity Report

 

Navigating Mortgages During Life Transitions

Navigating the world of mortgages can be complex, especially during significant life transitions. A Mortgage Capacity Report is a vital tool that can provide clarity, particularly in circumstances such as divorce, where understanding your mortgage capacity is crucial. At Mather & Murray Financial, we're here to guide you through the process, helping you make informed decisions during life's pivotal moments.

What is a Mortgage Capacity Report?

A Mortgage Capacity Report is an in-depth evaluation of your financial situation, income, and outgoings, specifically tailored to ascertain the maximum mortgage amount you could potentially secure. This report is particularly pertinent when dealing with major life changes, such as divorce, where understanding your mortgage capacity is paramount. By comprehensively assessing your financial landscape, we ensure you're equipped with the information needed to make confident choices.

When is a Mortgage Capacity Report Needed?

A Mortgage Capacity Report is often a requirement during significant life transitions, such as divorce. In situations where a court may request proof of mortgage capacity, this report is essential. By demonstrating your ability to secure a mortgage, you can establish your capacity to move forward independently, should the need arise.

What's Included in the Report?

A Mortgage Capacity Report includes:

  1. Income Assessment: An evaluation of your income sources, encompassing salaries, bonuses, and more.
  2. Expense Analysis: A thorough review of your monthly financial commitments.
  3. Debt Consideration: Analysis of your existing debts, providing a comprehensive financial picture.
  4. Credit History: Examination of your credit history to gauge your creditworthiness.
  5. Affordability Calculation: Utilising this information, we calculate your potential maximum mortgage amount.

Next Steps:

  1. Consultation: Contact Mather & Murray Financial to initiate a consultation, especially if you're navigating a divorce. Our friendly mortgage team at our head office in Swindon are here to help.
  2. Data Gathering: We'll gather relevant financial data essential for the assessment.
  3. Expert Analysis: Our professionals will carefully analyse your information to determine your mortgage capacity.
  4. Report Delivery: You'll receive a comprehensive Mortgage Capacity Report, detailing your affordability and potential mortgage options.
  5. Empowering Your Future: Armed with this information, you'll be prepared for life's next chapter, with the confidence to move forward independently.

Empowering Transitions Through Knowledge

A Mortgage Capacity Report holds tremendous power during pivotal life moments. At Mather & Murray Financial, our friendly Swindon based mortgage team are dedicated to providing you with the tools needed to navigate change with confidence. Reach out today to schedule a call back and embark on a journey towards securing your future, even during life's most challenging transitions.

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